Description of Adviser Detalus Advisors, LLC (“Adviser”) is an SEC-registered investment adviser with its principal place of business located in St. Louis, Missouri. Adviser began conducting business in 2001. Description of Services Adviser has partnered with Marstone, LLC (“Marstone”), an SEC-registered investment adviser, to provide online financial management of client accounts through a secured internet portal (the “Detalus Digital Program” or the “Program”). The Program offers discretionary account management using various model portfolio strategies (each, a “Strategy”) that invest primarily in exchange-traded funds (“ETFs”). When a client signs up for the Program, the client will be required to complete an online questionnaire that is designed to determine the client’s investment goals, investment horizon, and risk tolerances, and ultimately the appropriate Strategy for the client. Subject to Adviser’s oversight, Marstone acts as subadviser to the program, and is responsible for managing each client’s account in accordance with the selected Strategy. Fees and Compensation Program Fee Program clients pay Adviser an annual asset-based fee of 0.68% (the “Program Fee”) for participating in the Program. The Program Fee includes investment management, brokerage, execution, and custody services. Fees are payable quarterly in advance based upon the market value of the Account on the last business day of the previous quarter. The date funds and/or securities are delivered to the Custodian will determine the date on which the first quarterly fee will be due and payable. Fees will initially be prorated to the end of the first calendar quarter. The Adviser is authorized to deduct the Program Fee directly from each Program client’s account. A prorated Program Fee will be charged or credited for any partial period. The Program Fee may cost a client more or less than the cost of purchasing investment management, brokerage, execution, and custody services separately. In evaluating the cost of the Program, clients should consider: (1) the amount of the Program Fee; (2) the level of trading activity in the client’s account; and (3) the cost of investment management, brokerage,

execution, and custody services provided in connection with the Program if purchased separately. Adviser may, at its discretion, waive or reduce the Program Fee for certain clients. Fees Paid to Marstone Out of the Program Fee, Adviser pays Marstone an asset-based annual fee of 0.05% for its subadvisory services and portfolio management of client accounts. Also out of the Program Fee, Adviser pays an additional asset-based annual fee of 0.10% for the Marstone SAAS and the related ongoing services for the provision of the customized Marstone Digital Advice Platform. Other Fees and Expenses The Program Fee does not include any internal fees and expenses charged by ETFs and/or mutual funds in which a client’s assets may be invested. Fees charged by ETFs and mutual funds generally include management fees, brokerage expenses, administrative expenses, and legal expenses. Clients may also be required to pay certain additional fees to transfer money to, or out of, their Program account (such as wiring fees or transfer/closing fees). 5 Form ADV Wrap Program Brochure 2024 Certain Conflicts of Interest Affiliated to Detalus Advisors by common ownership, Manchester Holdings, LLC and its majority partners own a minority interest in Marstone, and thus have an interest in Marstone’s financial success. This relationship with Marstone creates a conflict of interest because Adviser has an incentive to recommend that clients participate in the Program based on the interests of Manchester Holdings and its majority partners in the financial success of Marstone rather than based solely on a client’s best interests. Adviser addresses this conflict by disclosing its relationship with Marstone to Program clients and potential clients. In addition, because Adviser receives the Program Fee paid by clients, it has an incentive to recommend the Program to potential clients. The amount of fees Adviser receives from clients participating in the Program may be more than what Adviser would receive from the client if the client participated in Adviser’s other separate account management programs, and thus Adviser may have an incentive to recommend the Program over other services provided by Adviser.